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Newbie.. and needing help

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Comments

  • Bismarck
    Bismarck Posts: 2,598 Forumite
    Thepopster wrote: »
    Loan (but i will have had another pay day by the time thats due)

    does this need to be included -is it a small loan or something more considerable/long-term?
    For what I've done...I start again...And whatever pain may come ...Today this ends... I'm forgiving what I've done -AF since June 2007
  • bargainbetty
    bargainbetty Posts: 3,455 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Can you transfer the money on the Capital One card to the HSBC to get the 0% interest -34.9% is daylight robbery, and I'm pretty sure has been condemned as usury by the Trading Standards lot!!

    It's not much, but you'd save long term on interest.
    Some days, it's just not worth chewing through the leather straps....
    LB moment - March 2006. DFD - 1 June 2012!!! DEBT FREE!



    May grocery challenge £45.61/£120
  • Thepopster
    Thepopster Posts: 184 Forumite
    My HSBC CC is maxed out :(

    and the loan is just for 1k.. with 7 payments left to go.

    Someone suggested in this thread to ring up the companies and explain and pay later but I know they wont let me.. if credit card bill is due its due is it not??
    Debts to clear
    HSBC CC:1000/846 19.9%(atm)
    Barclay Card: 750/650(o%balance transfer)
    HSBC Loan:1000/0 COMPLETE!!
    Capital One CC:200/0 34.9%!!!! COMPLETE
  • bank_of_slate
    bank_of_slate Posts: 12,922 Forumite
    10,000 Posts Combo Breaker
    Please watch out for troll deeplyindebt.
    ignore, it has been reported!
    ...Linda xx
    It's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
    We dont count all the runners ahead of us & feel intimidated.
    Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.
  • frugallass
    frugallass Posts: 2,320 Forumite
    1,000 Posts Combo Breaker
    Thepopster wrote: »

    Someone suggested in this thread to ring up the companies and explain and pay later but I know they wont let me.. if credit card bill is due its due is it not??

    you might be pleasantly surprised - give them a call and see what they say
  • Thepopster
    Thepopster Posts: 184 Forumite
    im considering getting a pay day loan i read that on the cashback thread?? I think thats my only option? and ill get £40 back in a few weeks from it on quidco?
    Debts to clear
    HSBC CC:1000/846 19.9%(atm)
    Barclay Card: 750/650(o%balance transfer)
    HSBC Loan:1000/0 COMPLETE!!
    Capital One CC:200/0 34.9%!!!! COMPLETE
This discussion has been closed.
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